this post was submitted on 15 Feb 2024
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American here. We have normal cards, they are called debit cards and are what most people use. Generizing a lot here, but credit cards are for people who were never financially educated, desperate poor people, or people who only use them to get plane miles or cash back.
It's absurd to me to put myself in debt for all but the most desperate of cases.
Thanks, I didn't know that, you always hear about credit card (debt) but never about debit cards. Can you still use the for a good credit score?
I don't think debit cards or their associated bank accounts affect your credit in any way since those transactions don't go through any of the credit agencies.
When I was just starting out in life, I had a credit card but only used it maybe once a year. Just with that I somehow had a credit score in the upper 700s.